# MemoFlow Subscription Terms

> Version: v1.1 (Draft for legal review before publication)<br>
> Effective date: August 1, 2026  
> Language: English  
> Operator: Nanjing Junhe E - Commerce Co., Ltd. (Chinese name: 南京君合电子商务有限公司)<br>
> Contact: service@memoflow8.com

## Required publication details

This document is a draft based on MemoFlow’s currently implemented membership, App Store / Google Play in-app purchase, AI Credits wallet, and ledger logic. **Before publication, the operator must complete the following information and have this draft reviewed by qualified legal counsel:**

- any remaining entity details required by law;
- live links to the Terms of Service and Privacy Policy;
- governing law, dispute-resolution, and mandatory consumer-rights disclosures for each relevant country or region;
- the actual store listings, local prices, taxes, trials, and promotions available in App Store Connect and Google Play Console; and
- any fair-use, abuse-prevention, and support-service-level rules that the operator intends to apply.

MemoFlow is operated by **Nanjing Junhe E - Commerce Co., Ltd.** (Chinese name: **南京君合电子商务有限公司**), with its registered and business address at **No. 78, Shijiu Hubei Road, Gaochun District, Nanjing, Jiangsu Province, China (江苏省南京市高淳区石臼湖北路 78 号)**. For readability, this document refers to the company as “**MemoFlow**,” “**we**,” “**us**,” or “**our**,” and to the purchaser or authorized user as “**you**” or “**your**.” If the Chinese and English versions differ, the version shown to you at purchase and applicable law control.

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## 1. Scope and acceptance

1. These MemoFlow Subscription Terms (the “**Terms**”) apply to your purchase, use, and management of the following digital services and digital goods through the MemoFlow mobile application:
   - MemoFlow Plus and MemoFlow Pro auto-renewable subscriptions (together, “**Subscriptions**”); and
   - one-time AI Credits (“**Credits**”) purchase packs.
2. These Terms supplement MemoFlow’s Terms of Service and Privacy Policy. Matters concerning accounts, content, privacy, intellectual property, limitations of liability, and dispute resolution are also governed by those documents and mandatory applicable law.
3. By selecting a purchase, confirming platform payment, restoring a purchase, using Subscription benefits, or using Credits, you agree to these Terms, the product information shown at purchase, and the applicable terms and payment rules of Apple App Store or Google Play (together, the “**Platform**”).
4. If you do not agree to these Terms, do not purchase or use Subscriptions or Credits.

---

## 2. Purchase channel, payment, and order confirmation

1. On iOS, Subscriptions and Credits are offered through Apple App Store in-app purchase. On Android, they are offered through Google Play in-app purchase, unless the purchase screen expressly states otherwise.
2. The price, currency, taxes, payment method, and final amount charged for digital content, digital services, and digital goods are those shown in the Platform’s system purchase sheet when you confirm the purchase. MemoFlow does not perform currency conversion and will not substitute an estimated price when Platform pricing is unavailable.
3. The Platform processes payment, payment authorization, taxes where applicable, purchase records, and certain refund requests. MemoFlow grants the relevant Subscription benefits or adds Credits only after it receives and successfully verifies the Platform transaction.
4. Display of a system payment sheet, a tap on a purchase button, or a “pending” message does not by itself mean that an order is complete. A transaction is complete only after Platform approval and successful MemoFlow server-side verification.
5. If a Platform declines, reverses, refunds, revokes, or otherwise does not complete a transaction, MemoFlow may withhold or remove the related Subscription benefits or Credits and make the adjustments described in Section 8.

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## 3. Prices and plans

### 3.1 Basic account

MemoFlow provides a Basic account without a paid Subscription. Some AI features may consume Credits, and some advanced features are available only to Plus or Pro subscribers.

### 3.2 Auto-renewable Subscriptions

Unless the Platform purchase screen states otherwise, MemoFlow currently offers the following tiers:

| Plan | Billing period | Current benefit summary | Reference price* |
| --- | --- | --- | --- |
| Plus | Monthly | 1,000 Credits per grant period; cloud refinement; share notes as images | US$9.99/month |
| Plus | Annual | 1,000 Credits per grant period; cloud refinement; share notes as images | US$99/year |
| Pro | Monthly | 2,000 Credits per grant period; Plus benefits; premium AI models; unlimited cumulative meeting recording, live interpretation, and OCR usage, subject to the purchase screen and Section 5 | US$19.99/month |
| Pro | Annual | 2,000 Credits per grant period; Plus benefits; premium AI models; unlimited cumulative meeting recording, live interpretation, and OCR usage, subject to the purchase screen and Section 5 | US$199/year |

`*` Reference prices describe the current product catalog only. They are not an offer of a particular price, currency, or tax-inclusive amount in every territory. **The localized price, currency, taxes, discounts, trial eligibility, total amount charged, and renewal amount shown by the Platform before you confirm are controlling.** For an annual Subscription, the total annual price is the primary charge; any monthly-equivalent amount is only a secondary calculation.

1. Benefits, feature availability, supported AI models, and usage rules may vary by app version, region, Platform capability, account status, and applicable law. The benefits clearly described on the purchase screen apply to that purchase.
2. “Unlimited cumulative usage” means that, during an active Pro Subscription, the relevant features are not limited by your Credits balance on a cumulative-use basis. It does not guarantee uninterrupted availability at all times and does not prevent reasonable technical limits needed for security, reliability, legal compliance, or abuse prevention.
3. A Subscription does not grant any feature, model, capacity, or service level that is not expressly stated in the purchase screen or product description.

### 3.3 One-time Credits packs

MemoFlow currently offers the following one-time Credits packs:

| Product | Credits |
| --- | ---: |
| `memoflow_credits_100` | 100 |
| `memoflow_credits_500` | 500 |
| `memoflow_credits_1000` | 1,000 |
| `memoflow_credits_2000` | 2,000 |
| `memoflow_credits_5000` | 5,000 |

The actual price, currency, and taxes for each Credits pack are shown in the Platform purchase screen. Credits are one-time digital goods; they are not cash, stored value, legal tender, e-money, securities, or transferable property.

---

## 4. Auto-renewal, renewal, and cancellation

1. Unless you cancel auto-renewal through the Platform before the end of the current billing period, your Subscription renews automatically for the period and price confirmed through the Platform. The Platform charges you at the start of each renewal period or as otherwise required by its rules.
2. You can manage, change, or cancel a Subscription through the Platform where you purchased it:
   - Apple: Settings > your Apple Account > Subscriptions, or Apple’s subscription-management flow;
   - Google Play: Google Play > Payments & subscriptions > Subscriptions, or Google’s subscription-management flow.
3. **Deleting MemoFlow, signing out, uninstalling the app, or ceasing to use the service does not cancel a Subscription.**
4. After you cancel auto-renewal, and unless applicable law or Platform rules say otherwise, you ordinarily retain Subscription benefits until the end of the period already paid for. Cancellation stops future charges; it does not itself create a refund.
5. Upgrades, downgrades, changes between monthly and annual billing, effective dates, credits, price differences, and renewal dates are determined by the Platform and its configured subscription group. The Platform confirmation screen controls. MemoFlow does not promise a self-calculated prorated refund or price adjustment.
6. If the Platform or applicable law requires consent for a price increase, renewal, notice, and consent are handled under the Platform’s rules. We will provide notice when legally required or reasonably necessary.
7. If renewal fails because of an invalid payment method, failed charge, Platform risk controls, account restrictions, or another Platform reason, your Subscription may enter a grace period, billing-retry period, pause, or expiry status. Whether benefits remain available during that period depends on Platform status, system status, and applicable law.

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## 5. AI Credits rules

### 5.1 Nature of Credits and balance

1. Credits are digital units in your MemoFlow account used for designated AI features or metered services. Credits may be used only in your MemoFlow account and may not be sold, gifted, transferred, exchanged for cash, withdrawn, pledged, or moved between accounts, except where mandatory law requires otherwise.
2. While your account remains in good standing and the service remains available, MemoFlow’s current product rule is that Credits posted to your account **have no fixed expiration date**. This does not prevent adjustments for refunds, reversals, fraud, abuse, erroneous grants, technical errors, legal obligations, or the express terms of these Terms.
3. You can view your balance and activity in MemoFlow’s “Membership & Credits” or “Credits History” area. The system records internally in microcredits (one-millionth of a Credit). User-facing displays may round or omit insignificant trailing decimals without changing the recorded amount.
4. MemoFlow’s server-side ledger, verified Platform transaction records, and corrections required by applicable law are the authoritative records of your Credits balance and activity. If you believe an entry is incorrect, contact us promptly under Section 9.

### 5.2 Sources of Credits

Credits may be obtained through one or more of the following:

1. a registration reward;
2. a successfully verified one-time Credits purchase;
3. periodic grants attached to an active Subscription;
4. an authorized support adjustment; or
5. another expressly described promotion or reward.

Unless the purchase screen, promotion rules, or applicable law expressly provide otherwise, Credits cannot be combined with, transferred to, or converted into another offer, account, or Platform order.

### 5.3 Subscription Credits grants

1. Plus provides 1,000 Credits for each applicable Credits grant period. Pro provides 2,000 Credits for each applicable Credits grant period.
2. Once a Subscription transaction is verified by the Platform, the system posts Credits for the first applicable grant period. Monthly plans are generally granted with the verified subscription period. Annual plans are granted for the first period and then in monthly grant periods aligned with the purchase or renewal date, until the end of the then-paid Subscription term.
3. Credits grants depend on an active Subscription, server-side verification, Platform notifications, and system records. A grant may be delayed, paused, stopped, or adjusted if a transaction is pending, refunded, revoked, expired, or otherwise invalid.
4. Once posted, Subscription Credits share the same balance and ledger as other Credits. They have no separate cash value or additional refund right under these Terms.

### 5.4 Consumption, estimates, and feature limits

1. Credits may be used for designated MemoFlow AI features, including AI meeting recording, live interpretation, OCR recognition, and other features expressly identified in the app as requiring Credits.
2. The Credits needed for an action may depend on actual duration, volume, input/output, model, media type, processing method, service cost, feature version, and other technical factors. Any “estimated minutes/items available” shown in the app is an estimate only, not a fixed exchange rate or promised result.
3. Before an action requiring Credits begins, MemoFlow may estimate or reserve Credits. When a task completes, is canceled, fails, or is interrupted, the system settles, releases, or returns unused reserved Credits according to the applicable system rules.
4. If your available Credits are insufficient, the feature may not start, may pause, or may ask you to buy Credits or upgrade. MemoFlow does not guarantee that a task will finish, continue without charge, or receive automatic Credits when your balance is insufficient.
5. Outputs from premium AI models, cloud processing, or third-party infrastructure may be inaccurate, incomplete, delayed, unavailable, or unsuitable for a particular purpose. Consumption of Credits is not a guarantee of output quality, accuracy, availability, or a particular business result.

### 5.5 Prohibited conduct

You may not obtain, consume, or use Credits through automated abuse, limit circumvention, fraudulent payment, reverse engineering, transaction manipulation, account sharing or resale, bulk transfer of benefits, or any other conduct that violates the Terms of Service, Platform rules, or law. Where there is a reasonable basis to suspect such conduct, MemoFlow may, subject to applicable law, limit related features, pause transaction verification, adjust anomalous Credits, or take other necessary measures.

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## 6. Purchase confirmation, delivery, and restore purchases

1. After a Platform payment succeeds, MemoFlow must still verify the transaction. During verification, a purchase may appear as “pending” or “being confirmed”; do not purchase the same product again.
2. After successful verification:
   - a Credits purchase is added in the corresponding amount; and
   - a Subscription activates the applicable benefits and triggers the first Credits grant under Section 5.3.
3. If the Platform shows a transaction but your account does not update promptly, keep a network connection, reopen “Membership & Credits,” or use “Restore Purchases.” If the issue persists, contact us under Section 9 with the order number, purchase date, Platform, and a redacted screenshot of the purchase record.
4. “Restore Purchases” is for re-identifying restorable Subscriptions or other restorable items. **Consumed, already-posted, refunded, or revoked Credits purchases generally cannot be added again through restore.**
5. A Platform transaction may be processed only once. Duplicate callbacks, restores, or requests do not grant duplicate Subscription benefits or Credits for the same order.

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## 7. Refund and cancellation policy

### 7.1 General rules

1. Cancellation and a refund are different. Cancellation generally stops future renewals. Whether a refund is approved, how much is refunded, and how a refund affects benefits and Credits depend on Platform rules, applicable law, the order status, and the individual case.
2. Nothing in these Terms limits non-waivable consumer rights, withdrawal rights, refund rights, or other remedies available under the law where you live.
3. For purchases through Apple App Store or Google Play, the Platform may have final or primary authority over payment, refunds, reversals, and payment disputes. MemoFlow will provide reasonable assistance within its control in accordance with applicable law and these Terms.

### 7.2 Apple App Store purchases

1. For an Apple App Store purchase, you may submit a refund request through Apple’s “Report a Problem / Request a Refund” process and manage or cancel the Subscription in Apple Account subscription settings.
2. Whether Apple approves a refund, its scope, and timing are determined by Apple and applicable law. MemoFlow does not guarantee that Apple will approve a refund request.
3. If Apple notifies us of a refund, reversal, or revocation, MemoFlow may immediately, or once it receives effective notice, remove the related Subscription benefits and adjust related Credits under Section 8.

### 7.3 Google Play purchases

1. For a Google Play purchase, you may submit a request through Google Play’s refund process and manage or cancel the Subscription in Google Play subscription settings.
2. Refund eligibility on Google Play differs by purchase timing, region, product type, payment method, order status, and applicable rules. Google Play’s help center currently states that some in-app purchases, including Subscriptions, may be eligible for a refund within 48 hours depending on the purchase; after 48 hours, users may generally contact the developer for assistance. This statement does not replace Google Play’s current regional policy or your statutory rights.
3. For a refund request that Platform rules allow MemoFlow to handle, email service@memoflow8.com with the order number, purchase date, Platform, reason for the request, and relevant supporting material. We will review it under applicable law and these Terms. Submitting a request does not mean that a refund is approved.
4. If Google Play or MemoFlow lawfully approves a refund, reversal, or chargeback, MemoFlow may remove related benefits and adjust Credits under Section 8.

### 7.4 Situations that do not automatically create a refund right

To the extent permitted by applicable law, the following do not by themselves create a right to a refund:

- you canceled auto-renewal but remain in a period you already paid for;
- you did not use the service, uninstalled the app, forgot to cancel, or no longer need the service;
- the Platform correctly displayed price, period, and auto-renewal information and the transaction completed;
- a problem not caused by MemoFlow’s service, including your account, device, network, payment method, or Platform restriction; or
- an account or feature restriction caused by your breach of these Terms, Platform rules, or law.

This section does not override a Platform policy, mandatory applicable law, or a separate written MemoFlow commitment that provides a refund.

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## 8. Refunds, reversals, and Credits adjustments

1. If a Credits purchase is lawfully refunded, reversed, charged back, revoked, or found invalid by the Platform or MemoFlow, MemoFlow may debit the Credits corresponding to that order from your Credits balance and show a “refund adjustment” or similar entry in Credits History.
2. If your available balance is insufficient to reverse all relevant Credits, MemoFlow will not display a negative visible balance solely for that reason. The unrecovered amount may be recorded as a “refund offset.” Credits later posted to your account may first be applied to that refund offset until it is settled. You can see the relevant notice in “Membership & Credits” and dispute it under Section 9.
3. After a Subscription transaction is refunded, reversed, or revoked, related Subscription benefits may end immediately or at the time required by the Platform and applicable law. Whether already-granted Subscription Credits are adjusted depends on the nature of the transaction, Platform notice, system ledger, and applicable law.
4. We will use reasonable efforts to avoid reversing the same transaction more than once. The system is designed to process purchases, refunds, and Credits adjustments idempotently by order.
5. If applicable law requires a different result, or a valid Platform decision conflicts with these Terms, applicable law and the valid Platform decision control.

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## 9. Billing support and disputes

1. If you identify an unauthorized purchase, duplicate charge, delivery issue, balance error, refund-adjustment question, or unusual Subscription status, contact service@memoflow8.com as soon as possible.
2. To protect your account and prevent fraud, include your MemoFlow account identifier (never your password), purchase Platform, order or transaction number, purchase date, issue description, and relevant screenshots. Do not email full card numbers, full Platform credentials, verification codes, or other highly sensitive information.
3. We may request reasonable additional information to verify the order, account ownership, and Platform status. Handling time may depend on Platform verification, payment providers, regional law, and complexity.
4. For payment, refund, or subscription-management matters that Apple or Google Play must handle, we may direct you to that Platform’s process. This does not limit any assistance required by applicable law.

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## 10. Service changes, price changes, and termination

1. Subject to applicable law and Platform rules, MemoFlow may modify, add, suspend, or discontinue Subscription benefits, Credits-consumption rules, supported models, or service features. For a materially adverse change during a paid term, we will provide notice or other handling when required by law or Platform rules.
2. We may change prices, plans, Credits packs, promotions, and benefits for future purchases or future renewals. Unless the Platform purchase screen or law requires otherwise, a change will not retroactively alter an already completed and verified order.
3. A later purchase, renewal, or continued use after effective notice of updated Terms may be treated as acceptance of the updated Terms, subject to your rights under applicable law.
4. If legal, regulatory, Platform, security, fraud-prevention, force-majeure, or service-termination reasons require a service to stop, we will handle any unperformed portion, paid amounts, and user notice as required by applicable law and Platform rules.

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## 11. Statutory rights, updates, and contact

1. These Terms do not exclude or limit any consumer-protection right that cannot lawfully be excluded or limited.
2. If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain effective to the extent permitted by law.
3. We may update these Terms from time to time. The current version will be published in MemoFlow, on the app-store listing, or through another appropriate channel. If law requires, we will give notice before an update becomes effective. Material updates will show a new effective date.
4. For questions about these Terms, Subscriptions, Credits, cancellation, or refunds, contact service@memoflow8.com.

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## 12. External Platform references

The following pages are maintained by Apple and Google and may change. They do not form part of these Terms, but may help you manage a Platform purchase:

- Apple subscription cancellation and management: [Apple Support — Cancel a subscription](https://support.apple.com/en-us/118428)
- Apple billing, subscriptions, and refunds: [Apple Support — Billing and Subscriptions](https://support.apple.com/en-gb/billing)
- Google Play cancellation or plan changes: [Google Play Help — Cancel, pause or change a subscription](https://support.google.com/googleplay/answer/7018481)
- Google Play refund policy: [Google Play Help — Refund policies for apps and in-app purchases](https://support.google.com/googleplay/answer/15574908)